1. The conversion function of funds has nothing to do with the purchase method. At present, it is still early for all funds in China to be freely converted (we may not see that day), and all funds directly under the fund companies can be converted. In addition, even the same fund management company may not be able to convert, and each fund company has its own rules. The common setting is the conversion of money funds and stock funds, and most of these conversions have different degrees of concessions. Generally, it is free for stock funds to be converted into money funds, and the money funds are converted into stock funds at the original rate. In other words, you should always give an adequate rate, such as 1.5%.

2. I don't know what kind of idle funds you have, and I don't know much about yourself. According to these words, you should be between 25 and 35 years old (the range may be larger) and your family wealth may be limited. If there is no other consideration, I suggest that you use all this 1W to buy stock funds and hold them for a long time (get to know the market situation regularly, redeem them when the market turns bearish, and continue later, during which you can buy money funds or bond funds, about once a year is enough). There is no need for a portfolio. With all due respect, there is no need to make any portfolio for 1W's funds. Judging from the previous performance, both Guangfa Steady and Southern Excellent are very good (high yield and stable performance curve), which is suitable for long-term holding.

3. Subscription refers to the purchase when the fund is just issued, and subscription refers to the usual purchase. The subscription and subscription rates are generally the same (1.5%). The difference is that due to the promotion of fund management companies, the subscription fees of most channels are often discounted, so it is cheaper, and this will not happen. However, it is not necessary to assert that the subscription is not good, because after the subscription period, the fund will enter a closed opening period, and if it encounters a low stock index, it may obtain an extremely high rate of return, while the fund may operate in Man Cang at ordinary times, so it is difficult to meet this opportunity.